Tomabouw
ActiveThe computed 12-month bankruptcy probability of Tomabouw is 4.2% (elevated). The 2025 annual accounts show equity of €27k and a net result of €-1k. Equity is growing by ~35.6% per year across the filed fiscal years. Its solvency ranks better than 24% of 27711 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
47
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability34▼-57
Solvency47▼-2
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
4.2%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity tight (current ratio 1.26 against 1.32 in 2024; short-term debt: 52.3% and cash: 40.7% of total assets), and 77.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
22.2%
Return on assets
-1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 27711 sector peers (2025).
NBB · sector comparisonPosition among 27711 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filingsDeviation from the deadline
2025
31 d late
2024
13 d late
2023
35 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€27k▼ 4.3%
2024 · €29k
2023: €8k
2024: €29k
2023 → 2025
Total assets
€123k▲ 5.3%
2024 · €117k
2023: €43k
2024: €117k
2023 → 2025
Net result
€-1k
2024 · €21k
2023: €7k
2024: €21k
2023 → 2025
Working capital
€17k▼ 32.6%
2024 · €25k
2023: €7k
2024: €25k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€8k-€29k▲ 264%€27k▼ 4.3%
Operating result€8k-€36k▲ 333%€4k▼ 90.0%
Net result€7k-€21k▲ 202%€-1k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 90% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €123k
Fixed assets
€42k▲ 219%
Current assets
€81k▼ 21.7%
Equity and liabilities €123k
Equity
€27k▼ 4.3%
Debt
€96k▲ 8.4%
The debt ratio rises from 75.5% to 77.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€7k▼
2024 · €37k
Cash flow
€2k▼
2024 · €22k
Solvency
22.2%▼
2024 · 24.5%
Current ratio
1.26▼
2024 · 1.32
Quick ratio
1.26▼
2024 · 1.32
Debt / equity
3.50▲
2024 · 3.09
ROE
-4.5%▼
2024 · 72.5%
ROA
-1.0%▼
2024 · 17.7%
Interest coverage
1.95▼
2024 · 25.43
Debt
€96k▲
2024 · €88k
Debt ≤ 1 year
€65k▼
2024 · €79k
Debt > 1 year
€31k▲
2024 · €10k
Income taxes
€1k▼
2024 · €14k
Staff costs
€103k▲
2024 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€117k€123k▲
Fixed assets21/28€13k€42k▲
Tangible fixed assets22/27€12k€40k▲
Land and buildings22-€32k
Plant, machinery and equipment23€11k€8k▼
Furniture and vehicles24€1k€464▼
Financial fixed assets28€2k€2k=
Current assets29/58€104k€81k▼
Amounts receivable within one year40/41€102k€27k▼
Trade receivables40€102k€25k▼
Other amounts receivable41€289€2k▲
Cash at bank and in hand54/58€2k€50k▲
Deferred charges and accrued income490/1-€4k
Equity and liabilities
Total equity and liabilities10/49€117k€123k▲
Equity10/15€29k€27k▼
Contributions10/11€1k€1k=
Profit (loss) carried forward14€28k€26k▼
Amounts payable17/49€88k€96k▲
Amounts payable after more than one year17€10k€31k▲
Financial debts170/4€10k€31k▲
Amounts payable within one year42/48€79k€65k▼
Current portion of amounts payable after more than one year42-€9k
Trade debts44€40k€13k▼
Suppliers440/4€40k€13k▼
Taxes, remuneration and social security45€20k€28k▲
Taxes450/3€20k€19k▼
Remuneration and social security454/9-€9k
Other amounts payable47/48€18k€14k▼
Income statement
Code20242025
Remuneration, social security and pensions62€2k€103k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€808€3k▲
Other operating charges640/8€839€5k▲
Gross operating margin9900€40k€114k▲
Operating profit (loss)9901€36k€4k▼
Financial income75/76B-€10
Recurring financial income75-€10
Financial charges65/66B€1k€3k▲
Recurring financial charges65€1k€3k▲
Profit (loss) for the period before taxes9903€35k€245▼
Income taxes67/77€14k€1k▼
Profit (loss) for the period9904€21k€-1k▼
Profit (loss) for the period to be appropriated9905€21k€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€28k€26k▼
Profit (loss) brought forward from the previous period14P€7k€28k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-1k ▼106%
Net result drops to €-1k, the lowest in the series.
13-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 13 days late
2024
31-12
Financial
Highest result since 2023net €21k ▲202%
Operating result €36k, net result €21k, both a record.
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2024
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
15-05-2024
Coumont Thomas: Resigned as Director
10-11-2022
Aurélie Antoine: Resigned as Director
Location & real-estate footprint
Registered office, Verviers · 2 establishment units since 2022
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue de Battice 2254800 VerviersGround area
3,894 m²
Building footprint
1,155 m²
Volume, LiDAR
9,190 m³
2 parcels, Flanders, Wallonia · tallest building 21.6 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Tomabouw
since 20222.333.010.742
TOMABOUW - Sud-Est
since 20252.368.335.865
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71323C0286/00F002 | Flanders | 3,766 m² | 1 · 984 m² | 21.6 m · 2 fl. |
| 63059A0173/00G000 | Wallonia | 129 m² | 1 · 171 m² | 10.3 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Recognised contractor
16 categoriesTomabouw BV43020
Similar companies · same sector, comparable size
GONDECOR
BE 0466.613.649
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BE 0756.581.489
Mechelen · Eq €27k
BOUCKAERT INTERIEUR
BE 0738.621.148
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PENTURA
BE 0463.878.843
Mortsel · Eq €27k
DECO WALLY
BE 0765.954.857
Kuurne · Eq €28k
Of 7,862 companies in sector 43341 we hold annual accounts for 2,664. 2,195 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-07-2022
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43341Painting of buildings
43333Wallpapering and laying of floor and wall coverings in other materials
55100Hotels and similar accommodation
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.